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St. Catharines Car Insurance

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Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderCity
$92.69Dec 02, 2024, 08:44 AMAuto33FemaleBelleville
$43.43Dec 02, 2024, 03:37 PMHome41MaleOttawa
$25.68Dec 02, 2024, 09:59 AMTenant25MaleBrantford
$32.58Dec 02, 2024, 12:36 PMLife30FemaleHamilton

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Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on May 16, 2024

Visit author page
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated May 16, 2024

Visit author page

5 minute read

Article Contents

Quick Facts About Auto Insurance in St. Catharines

  • St. Catharines car insurance is LESS expensive than the Ontario average.
  • The average annual car insurance cost in St. Catharines for a driver with comprehensive/collision coverage and a clean record is around $1,427.
  • Comparing St. Catharines auto insurance quotes with MyChoice can save you up to $1,013 annually.

Quote data from MyChoice.ca, November 2024

The Best Car Insurance Brokerages in St. Catharines

Insurance brokerages can help you find a car insurance policy with the best value for your budget and needs. After you give them your information about your driving history, driving habits, and vehicle, they’ll be able to help you compare offers and answer your questions.

Feel free to contact these St. Catharines brokerages if you need help shopping around for an auto insurance policy:

BrokerageAddressPhone number
BrokerLink195 King St
St. Catharines, ON L2R 3J6, Canada
+19056883713
All-Risks Insurance Brokers Limited33 Lakeshore Rd #11
St. Catharines, ON L2N 7B3, Canada
+19059385078
Billyard Insurance Group – St. Catharines204 Niagara St Unit A
St. Catharines, ON L2M 4V4, Canada
+19052282976
Sottile-Olsen Insurance Brokers Inc100 Fourth Ave
St. Catharines, ON L2S 3P2, Canada
+19059844266

Most Expensive Postal Codes in St. Catharines

The average car insurance rate in St. Catharines is $1,427, less expensive than Ontario’s provincial average of $1,718/year. The L2T area in St. Catharines has the highest car insurance premium rates, detailed in the table below:

Postal CodeAverage Annual Car Insurance Premium
L2T$1,501
L2P$1,497

Quote data from MyChoice.ca, November 2024

Least Expensive Postal Codes in St. Catharines

The L2N area in St. Catharines has the least expensive auto insurance rates in the city.

Postal CodeAverage Annual Car Insurance Premium
L2N$1344
L2V$1,384

Quote data from MyChoice.ca, November 2024

Car Insurance Cost in St. Catharines by Age

Car insurance companies will factor in your age when computing your car insurance rates. 

As a rule, younger drivers are considered less experienced, and their inexperience is considered a factor that makes them more likely to get into accidents. This means younger drivers typically have higher car insurance premiums. As you get older, your car insurance rates will lower. 

However, this reverses when you turn 65. Senior citizens are more likely to be killed or injured in car accidents, so your car insurance premiums will increase when you reach this age.

Here’s a quick glance at how your age affects the cost of car insurance:

AgeAverage Annual RatesAverage Savings with MyChoice
18-20$5,095$1,013
21-24$2,912$579
25-34$1,941$386
35-44$1,427$283
45-54$1,171$233
55-64$995$198
65+$1,135$226

Quote data from MyChoice.ca, November 2024

Car Insurance Cost in St. Catharines by Driving History

Like in any other city in Canada, car insurance premiums are affected by a driver’s driving record

Generally, having more demerit points and traffic violations on your record will cause insurers to deem you a “high-risk” driver. This will result in higher premiums for auto insurance. On the other hand, a driver with a clean record is considered less risky to insure and will enjoy lower car insurance rates in St. Catharines.

While demerit points and violations only stay on your record in Ontario for two years, insurers may search back as far as 10 years into your driving history. This means even previous violations can affect your car insurance premiums.

Here’s a quick overview of how different traffic violations can affect the cost of your car insurance in St. Catharines, based on our research:

Driving ViolationAverage Annual Car Insurance Premium
Clean driving record$1,427
Insurance cancellation due to non-payment$2,341
Licence suspension for alcohol-related offences$1,713
One accident$3,140
Speeding ticket$1,856

Quote data from MyChoice.ca, November 2024

Driving in St. Catharines

St. Catharines, a.k.a. the “Garden City”, is Ontario’s sixth-largest urban area and the largest city in the Niagara Region. The city is located between the Canada–US border and the Greater Toronto and Hamilton Area (GTHA). It’s also Welland Canal’s northern entrance.

Is St. Catharines a good city to drive in? Here are some important facts about driving and commuting in this city:

  • Major highways in St. Catharines: Queen Elizabeth Way (QEW), Highway 406
  • Public transit options: St. Catharines Transit (bus)
  • Ridesharing services: Uber, Lyft
  • Parking space providers: The City of St. Catharines, private lots
  • Top tourist attractions: St. Catharines Museum & Welland Canals Centre, Lakeside Park, 13th Street Winery, Woodend Conservation Area, Morningstar Mill, Niagara Falls (nearby), Happy Rolph’s Animal Farm
  • Busy intersections: Welland Ave. and Ontario St., Ontario St. and St. Paul St.
  • Airports: Niagara District Airport

Main Mode of Commuting in St. Catharines

Just like many other cities in Canada, St. Catharines has a sizable car commuter population, numbering 40,200 per census data. Most of these car commuters drive themselves, with 3,590 of them as passengers. Meanwhile, pedestrian commuters are the second-most populous in St. Catharines, with 1,825 people. Check the table below to learn more about the modes of commuting in St. Catharines:

Main mode of commutingCountsRates
Total – 25% sample data44,635100.0
Car, truck or van40,20090.1%
Car, truck or van – as a driver36,61082.0%
Car, truck or van – as a passenger3,5908.0%
Public transit1,3603.0%
Walked1,8254.1%
Bicycle3550.8%
Other method8952.0%

Commuting Duration in St. Catharines

Over three-quarters of commuters in St. Catharines get to work within 30 minutes. The remaining quarter mostly spends 30 to 44 minutes on their commute, but a smaller portion can take over 45 minutes. Here’s a detailed look at the commuting duration in St. Catharines:

Commuting durationCountsRates
Total – 25% sample data44,635100.0
Less than 15 minutes18,47541.4%
15 to 29 minutes16,45036.9%
30 to 44 minutes5,52512.4%
45 to 59 minutes1,6603.7%
60 minutes and over2,5205.6%

Driving Conditions in St. Catharines

A city’s driving conditions like rainfall and snow can affect road safety, and, consequently, affect your car insurance rates in an area. Here’s an overview of the average driving conditions in St. Catharines.

  • Average daily commute time: 43 minutes round-trip
  • Average annual rainfall: 754.2 mm
  • Average annual snowfall: 137.1 cm
  • Rainy days per year: 117 days
  • Rainiest month in St. Catharines: June
  • Driest month in St. Catharines: February
  • Snow days per year: 42.7 days
  • Snowfall months in St. Catharines: January – May, October – December

Traffic in St. Catharines

Formerly centred around manufacturing and heavy industry, services are increasingly becoming a bigger employer in St. Catharines. Its location makes it one of the major telecommunications hubs between the US and Canada, with many call centers operating in the city.

Designated as an Urban Growth Centre, St. Catharines is intended to reach a minimum density target of 150 jobs and residents combined per hectare by 2032. 

Here’s a quick overview of the key traffic statistics in St. Catharines:

  • Population: 136,803 people live within St. Catharines’ city limits.
  • City area: St. Catharines’ city limits span 96.13 km2.
  • Average commute distance: The average St. Catharines resident travels 15 km every day to their workplace or school.
  • Time spent in traffic annually: The average St. Catharines resident spends 43 minutes in traffic daily, totalling roughly 262 hours per year.
  • Busiest highways: St. Catharines’ busiest highways are Highway 406, Highway 58, and QEW. QEW is one of the busiest highways in Ontario, averaging 200,000 vehicles per day in its busiest

The Most Common Questions About Car Insurance in St. Catharines

Is ridesharing insurance available in St. Catharines?

Yes, ridesharing insurance is available in St. Catharines. Check with your car insurer to see if they provide ridesharing insurance and what rates they offer.

How much does St. Catharines car insurance cost?

On average, St. Catharines car insurance costs $1,390/year.

Is car insurance cheaper in St. Catharines than in Toronto?

Yes, car insurance is cheaper in St. Catharines than in Toronto. The average car insurance rate in St. Catharines is $1,390/year, while the average in Toronto is $2,139/year.

Why should you compare car insurance rates in St. Catharines?

You should compare car insurance rates in St. Catharines to get the best coverage for your needs and vehicle. Different car insurers provide coverage at different rates, and comparing their insurance rates will help you find the most affordable deal for your preferred amount of coverage.

Does my St. Catharines car insurance work in the US?

Yes, your St. Catharines car insurance can cover your vehicle if you travel to the US. Canada and the US have similar legal systems, so both countries typically recognize the other country’s insurance policies. However, it’s still best to check your policy with your car insurer – in some cases, you may need to get additional coverage.

How can you get cheaper auto insurance in St. Catharines?

Compare car insurance rates in St. Catharines with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.

Methodology

Sample Size

We analyzed over 50,000 auto insurance quotes across Canada.

Profiles

Average rates were calculated using a standard profile and incident profiles. All personal details pertaining to the quotes and policies have been kept confidential.

Standard Profile

Single driver, one car, currently insured, and a pristine driving record. Our base profile is a 35-year-old individual (both male and female) with a spotless driving record.

Incident Profiles

We examined how rates change by evaluating profiles with a clean record (standard), one at-fault accident, a single speeding ticket, license suspension for alcohol related offenses and insurance cancellation due to non-payment.

Vehicle Details

These individuals own a 2018 Honda Civic, commute five days a week, and cover a distance of 15,000 kilometres annually.

Vehicle Models

Costs were also analyzed for different vehicles: Mazda CX-5, Ford Escape, Toyota Corolla, Honda Accord, Chevrolet Equinox, and the base 2018 Honda Civic.

Age and Homeownership

Profiles from age 18-65 (standard: 35 years) were considered. Depending on age, individuals might rent or own their homes. Age-related regulations may vary across provinces.

Team

MyChoice data science, MyChoice research.

Sources

1. Mychoice.ca Internal Data, Most Expensive Postal Codes, Ontario, St. Catharines, Car Insurance Quotes Collected, 2024.

2. Mychoice.ca Internal Data, Least Expensive Postal Codes, Ontario, St. Catharines, Car Insurance Quotes Collected, 2024.

3. Mychoice.ca Internal Data, Rate Cost By Age, Ontario, St. Catharines, Car Insurance Quotes Collected, 2024.

4. Mychoice.ca Internal Data, Rate Cost By Driving History, Ontario, St. Catharines, Car Insurance Quotes Collected, 2024.

5. City of St. Catharines Website, Driving & Transit Information. Data Collected, 2024.

6. Statistics Canada, 2021, Census of Population, Ontario, St. Catharines, Main Mode of Commuting. Data Published March 29, 2023.

7. Statistics Canada, 2021, Census of Population, Ontario, St. Catharines, Commuting Duration. Data Published March 29, 2023.

8. Weather Network Canada, Historical Averages, Ontario, St. Catharines.

9. 511 Ontario Traveller Information, Ontario, St. Catharines.

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